Warnock says that, if Grujic doesn't play, Cardiff pay more. That's expensive because Warnock is in a position of knowing his club will be penalised if Grujic doesn't play, thereby compromising Warnock's position to pick his best team. My understanding is that Grujic has not been impressing.
The other fact that I came up with on this thread is that Cardiff have spent close to £10m this season - you also seem to miss that, conveniently, as you try to claim Cardiff are punching above their weight. Perhaps Cardiff didn't turn down £18m for Zohore either? Cardiff are, financially, well backed - do you agree or disagree?